It’s more than a Stocks & Shares ISA
It’s the freedom to live life on your terms.
Grow your money tax free
Choose a risk level that suits you
Customise your portfolio with a range of funds, ETFs, and US stocks
Open or transfer an account in minutes and join over 1.5 million people saving and investing with Moneybox.
Capital at risk. All investing should be long term. ISA & tax rules apply. Ensure you’re comfortable with how any changes may affect your portfolio’s risk and return level.
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What is a Stocks & Shares ISA?
A Stocks & Shares ISA is an individual savings account that lets you invest your money in the stock market. You get an annual allowance of £20,000, which resets at the start of each new tax year.
When you invest with a Stocks & Shares ISA, you won’t pay any UK tax on your profits. That’s because they’re classed as a ‘tax wrapper’, and with a Moneybox Stocks & Shares ISA, you’ll be able to invest in our range of tracker funds, exchange traded funds (ETFs), and individual US stocks.
Plus, you’ll earn 2.50% AER (variable) on any money you hold as cash in your Moneybox Stocks & Shares ISA before investing it.
Tax treatment depends on individual circumstances and may be subject to change in the future.
Ready to get your money sorted?
Grow your long-term savings
Invest in a way that works for you with weekly, monthly, and one-off deposits.
Maximise your ISA allowance
Achieve your financial goals and make the most of your £20,000 ISA tax-free allowance each tax year.
Transfer an ISA in from elsewhere
Transfer any ISAs you hold with other providers into a Moneybox Cash ISA.
How does the Moneybox Stocks & Shares ISA work?
With a Moneybox Stocks & Shares ISA, you can invest in our range of tracker funds, our exchange traded funds, and our US stocks. To start, you’ll need to pick one of our Starting Options, and then it’s up to you how much you customise your allocation.
Starting Options
Open your ISA and choose one of our three simple Starting Options: Cautious (low risk), Balanced (medium risk) and Adventurous (higher risk, higher potential returns).
Each one contains a range of diversified tracker funds, with different allocations for each option.
Customise your portfolio
Build your own investment portfolio by customising your investing allocations. You’ll be able to access our full range of tracker funds, ETFs and US stocks.
You’re in control of your portfolio and can invest in line with your values and objectives.
Explore more funds
Open a Moneybox Stocks & Shares ISA to invest in technology, healthcare, as well as the S&P 500 and FTSE 100.
Global Shares
Shares | Fund fee 0.12% (transaction costs also apply.)
Track the global stock market with shares in more than 1,600 companies like Apple and Amazon.
Global Shares ESG
ESG Shares | Fund fee 0.13% (transaction costs also apply.)
Invest in global companies that score highly on environmental, social and governance (ESG) factors.
Global Health & Pharmaceuticals Shares
Shares | Fund fee 0.31% (transaction costs also apply.)
Champion the healthcare sector by investing in companies like Johnson & Johnson and Pfizer.
Global Property Shares ESG
ESG Shares | Fund fee 0.18% (transaction costs also apply.)
Gain exposure to over 300 property companies across a range of industries, from residential to retail.
See our US stocks
With a Moneybox Stocks & Shares ISA you'll get exclusive access to our US stocks, allowing you to invest directly in some of the world's biggest and best-known US companies.
Amazon
Technology
Amazon is the world’s largest e-commerce company.
Starting out as a bookshop founded by billionaire Jeff Bezos, Amazon has grown to sell everything from electronic goods, to food, alcohol and sports equipment. It also has a range of its own products, including the Amazon Kindle and Amazon Alexa.
Apple
Technology
Apple is the largest tech company in the world, and it was the first US company to hit a market capitalisation of over $1 trillion back in 2018.
You’re probably familiar with its products – you might even own one or two.
Coca-Cola
Consumer Goods
Coca-Cola is the global drinks company that owns brands including Costa, Fanta and Sprite.
The company’s flagship product – Coca-Cola – has a recipe that uses coca leaves and the kola nut, which is where the name Coca-Cola originally came from.
JPMorgan Chase & Co
Finance
JP Morgan Chase & Co was founded in 1871 by Gilded Age tycoon J.P. Morgan Sr. His power and wealth were so great that in 1893, Morgan actually bailed out the US government and prevented economic collapse.
Today, JPMorgan Chase is the largest bank in the world by market capitalisation.
Moneybox investing fees
You'll pay lower fees if investing in Moneybox funds. You can withdraw free of charge.
Subscription feeFree for your first three months. Free for customers with £5k or more across their investing accounts. Free for customers with £5k or more in their Cash ISA, Open Access Cash ISA, and/or Simple Saver. | £1 |
Moneybox funds | |
Service fee Charged monthly. | 0.15% |
Fund fee | 0.29% |
Other providers' funds | |
Service fee Charged monthly. This is 0.15% for Moneybox funds. | 0.45% |
Fund fee | Varies |
US stocks | |
Currency conversion fee | 0.45% |
Commission | 0% |
Stocks Shares ISA FAQs
What is an Individual Savings Account (ISA)?
ISA stands for Individual Savings Account, and is a government scheme allowing individuals to hold cash, shares, and unit trusts free of tax on dividends, interest and capital gains. You can deposit up to £20,000 into an ISA each tax year, and this limit is shared across all of the ISAs that you have open.
At Moneybox, we offer a Cash ISA, an Open Access Cash ISA, a Stocks & Shares ISA, and Lifetime ISAs (both Cash and Stocks & Shares).
What is the difference between a Stocks & Shares ISA and a Cash ISA?
A Cash ISA earns interest on your savings and carries no investment risk. With a Stocks and Shares ISA, you choose where to invest your money in the stock market – giving you the potential for higher long-term returns, but with the risk that your money can go down in value as well as up. Both are tax-free wrappers, so you pay no tax on any gains or interest earned inside either account.
Is a Stocks and Shares ISA safe?
How safe a Stocks and Shares ISA feels depends on your attitude to risk. Investments held within a Moneybox Stocks and Shares ISA are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000, meaning your money is protected if Moneybox were to go out of business. However, unlike a savings account, the value of your investments can fall as well as rise – this is normal for stock market investing and is why a Stocks and Shares ISA is best suited to a longer-term investment horizon of five years or more. Find out more about FSCS protection.
What can I invest in?
Moneybox has worked with experts to offer you three Starting Options – Cautious, Balanced and Adventurous. All you need to do is pick one based on your attitude to risk and return.
Each Starting Option contains a mix of tracker (mutual) funds. If you’d like to, you can customise the asset allocations of our suggested Starting Options to create a personalised portfolio. However, you should bear in mind that our Starting Options have been carefully designed by investment experts to optimise risk and return for the selected risk appetite. Please make sure you fully understand how changing your allocation could impact your investment return and risk level before making any changes to these allocations.
How much can I invest in a Stocks and Shares ISA?
You can invest up to £20,000 per tax year in a Stocks and Shares ISA. This allowance is shared across all your ISA accounts – including any Cash ISA or Lifetime ISA – and resets each year on 6 April.
What does the Moneybox Stocks and Shares ISA cost?
What does the Moneybox Stocks and Shares ISA cost?
There are three types of fee to be aware of:
Subscription fee: £1 per month. This covers all your Moneybox investment accounts, so if you hold multiple accounts you still pay just £1 per month.
Moneybox platform fee: 0.45%, charged monthly on the value of your investments.
Fund provider fees: These vary by fund. See all fund fees on our funds page.
You can withdraw free of charge.
Can I transfer an existing ISA to the Moneybox Stocks and Shares ISA?
Yes – you can transfer an existing Stocks and Shares ISA or Cash ISA from another provider to Moneybox. Transfers don't count as a new contribution and won't affect your annual allowance. Transfers can be initiated in-app.
Can I open a Stocks and Shares ISA if I already have one elsewhere?
Yes – you can hold more than one Stocks and Shares ISA at the same time, giving you greater flexibility over how you invest. Just ensure your total contributions across all ISAs remain within the £20,000 annual allowance.
Do you give financial or investment advice?
We aren’t able to offer financial advice, so you’ll need to make sure that your investment allocations are right for your personal circumstances and financial goals. Moneybox is also a self-directed platform, meaning we do not make any investment decisions on behalf of our customers.
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It's important you know
Capital at risk. All investing should be for the longer term. The value of your investments can go up and down, and you may get back less than you invest. Tax treatment depends on individual circumstances and may be subject to change in the future.